Financial Calculators

Tools to help you plan your path to financial independence

Let compound interest do the work

Calculate when you can stop saving for retirement and let compound interest do the work. Find your Coast FIRE number.

DCA vs Lump Sum

See how your money grows over time with compound interest. Compare dollar-cost averaging vs lump sum investing strategies.

4% Rule

Calculate your Financial Independence number. Find out how much you need to retire based on the Trinity Study's 4% safe withdrawal rate.

The most important number

Calculate your savings rate and see how many years until you reach financial independence. The most important number in your financial life.

—These calculators use simplified assumptions. Real returns vary year to year.
—The 8-10% nominal return assumption is based on historical U.S. stock market data (1926-2023). Use 7% for inflation-adjusted projections.
—For early retirement (before 60), consider a more conservative 3.5% withdrawal rate.